The following section is for Consumer Deposit Accounts
In case of errors or questions about your electronic transfers
Telephone or write us at the address or phone number noted below as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number (if any).
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
Union Bank & Trust Company
PO Box 82535
Lincoln, NE 68501
Telephone number: 402.323.1828
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
The following section is for Consumer Checking Plus and Consumer Home Equity Lines of Credit
What to do if you think you find a mistake on your statement
If you think there is an error on your statement, write to us at the address noted below. In your letter, give us the following information:
- Account information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true:
- We cannot try to collect the amount in question, or report you as delinquent on that amount.
- The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
- We can apply any unpaid amount against your credit limit.
Balance subject to interest rate
We figure the interest charge on your account by using the “Daily balance” method (including current transactions). For more information about the balance computation method and how resulting interest charges were determined call toll-free 800.297.2837.
Send correspondence, inquiries, and payments to:
Union Bank & Trust Company
P.O. Box 82535
Lincoln, NE 68501-2535
Telephone number 402.323.1828 in Lincoln, or toll-free 800.297.2837.
NOTE: Payments received after close of business day shall be deemed received on the following business day for purposes of crediting your account. Please examine immediately and report if incorrect. If no reply is received within sixty (60) days the account will be considered correct. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
The following section is for Mortgage Loans
Your mortgage loan is one of the most important financial obligations an individual will ever make. An important part of that responsibility is making your payments on or before the due date. Your loan is delinquent if the payment is not received on or before the due date. Payments are credited upon receipt, not by the postmark date.
What to do if you want additional information or if you think you find a mistake on your statement
To submit a Notice of Error or Request for Information to Union Bank & Trust concerning the servicing of your loan, you must write to us at the designated address below. Please include your name, loan account number, and sufficient information to help us identify the error you believe has occurred, or the information you would like to receive.
Union Bank & Trust Company
Attn: Mortgage Servicing
P.O. Box 87209
Lincoln, NE 68501-2535
Default Counseling Services
If for any reason you are unable to make a payment when it is due, or are having difficulties making your payment or require mortgage service counseling, please contact our loan counselors at 888.267.1262.
Credit Reporting
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
UNION BANK & TRUST COMPANY IS A DEBT COLLECTOR AND THIS COMMUNICATION IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED MAY BE USED FOR THAT PURPOSE. TO THE EXTENT YOUR OBLIGATION IS DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS NOTICE IS FOR INFORMATIONAL PURPOSES ONLY. IF YOU ARE REPRESENTED BY AN ATTORNEY, PLEASE PROVIDE US WITH THE ATTORNEY’S NAME, ADDRESS AND TELEPHONE NUMBER.
Requesting a Payoff Statement
The balance listed on your billing statement is not a payoff amount. To request a payoff statement please contact our Loan Servicing Department toll-free at 833.560.1116 or fax your request to 402.323.1302. A statement will be mailed within three (3) business days. Verbal payoff quotes will not be provided.
